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No Closing Cost Mortgage in California: How It Works and When It Makes Sense

by Michael Divita | Aug 15, 2026 | First-Time Buyers, Mortgage Education

Closing costs in California typically run 2%–5% of the loan amount — on a $750,000 purchase, that’s $15,000–$37,500 out of pocket before you even get your keys. A no closing cost mortgage eliminates that upfront cash requirement. But nothing is truly free in...

CalVet Home Loan 2026: California’s Veteran Mortgage Program Explained

by Michael Divita | Aug 14, 2026 | First-Time Buyers, Mortgage Education

California veterans have access to one of the best mortgage programs in the country — the CalVet Home Loan. Run by the California Department of Veterans Affairs (CalVet), this program offers below-market interest rates, no private mortgage insurance, and built-in...

CalHFA Income Limits 2026: Do You Qualify for Down Payment Assistance?

by Michael Divita | Aug 13, 2026 | First-Time Buyers, Mortgage Education

If you’re trying to buy a home in California with down payment assistance, the first question is always the same: do you qualify based on income? CalHFA programs have county-specific income limits that change each year — here’s the 2026 breakdown and what...

GSFA Platinum Grant California: Free Down Payment Money You Never Repay

by Michael Divita | Aug 9, 2026 | First-Time Buyers, Mortgage Education

GSFA Platinum Grant California 2026: Free Down Payment Money You Never Repay The GSFA Platinum program (Golden State Finance Authority) provides California homebuyers with up to 6% of the loan amount as a true grant — money that does not need to be repaid, ever....

CalHFA MyHome Assistance Program 2026: Down Payment Help for California Buyers

by Michael Divita | Aug 2, 2026 | First-Time Buyers, Mortgage Education

CalHFA MyHome Assistance Program 2026: Down Payment Help for California First-Time Buyers The CalHFA MyHome Assistance Program is California’s most widely used down payment assistance loan. It provides up to 3.5% of the purchase price or appraised value as a...

Seller Concessions California: Getting the Seller to Pay Your Closing Costs

by Michael Divita | Aug 2, 2026 | First-Time Buyers, Mortgage Education

Seller Concessions California: Getting the Seller to Pay Your Closing Costs Seller concessions — also called seller-paid closing costs — let buyers negotiate to have the seller credit money toward closing costs instead of reducing the purchase price. In a market where...
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